New Delhi, Nov. 12 -- The credit landscape in the country is rapidly evolving as technology advances in credit distribution across banks and NBFCs. This makes it critical for aspiring borrowers to maintain a clean credit profile and a solid credit score.

Now, if you don't currently have a credit card, with the right steps, you can still build a reliable credit profile, which is useful when you later apply for new personal loans, home loans, credit cards, and mortgages. Proper planning is the key to accomplishing this goal.

Credit bureaus track repayment behaviour even without a credit card. A consistent repayment record helps build your credit score over time. Do keep in mind that improvements in credit scores are not instant. They gene...